Abstract：Platform personal credit scoring is an innovative online credit governance tool in the platform economy, featuring extensive information processing, inclusive coverage, and diverse application scenarios. However, it faces challenges such as credit regulatory arbitrage risks, increased risks to personal privacy and information protection due to the use of alternative data, and risks of algorithmic discrimination. Given these characteristics and challenges, the attributes of platform personal credit scoring should be determined on a case-by-case basis, and inclusive and prudent regulation should be implemented. Firstly, personal credit scoring by platforms should be regulated by classification. The scope of application of the “disconnection” policy should be clearly defined as the scenarios where platforms, as third parties, provide personal credit scoring to financial institutions outside the platform. The number of personal credit information licenses should be moderately increased to coordinate the conflicts of interest caused by the “disconnection” policy. Secondly, it is necessary to prevent the risks associated with the use of alternative data, balancing financial inclusiveness and personal information protection. The term “other relevant information” should be interpreted restrictively to bring alternative data under credit information supervision. Thirdly, compulsory information disclosure regulations should be adopted to enhance the transparency of credit scoring, and reputation mechanisms should be used to encourage platforms to voluntarily improve the transparency of credit scoring. Finally, the personal credit scoring algorithms of platforms should be included in the regulatory sandbox. The risk of algorithmic discrimination should be regulated in advance through algorithm filing, and a credit scoring algorithm regulatory system that balances efficiency and fairness should be established.
阳建勋. “断直连”政策下平台个人信用评分的包容审慎监管[J]. 《深圳大学学报》（人文社科版）, 2025, 42(6): 89-98.
YANG Jian-xun. On the Inclusive and Prudent Regulation of Platform Personal Credit Scores under the “Cutting Direct Connections” Policy. , 2025, 42(6): 89-98.
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2025, Vol. 42 
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